Locus Bank, Inc. is a state-chartered bank (fed member) headquartered in Richmond, Virginia, in business for about 18 years. At the end of Q2 2026 it reported $359.4M in total assets and $259.3M in deposits, with 2 offices.
Based on its Q2 2026 filing, Locus Bank, Inc. scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in Virginia, it ranks 12th. Its strongest component is capital cushion (100/100; 21.46%), and its lowest is funding & liquidity (37/100; 113% loans-to-deposits, 27% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 69 |
| Q4 2024 | 70 |
| Q1 2025 | 71 |
| Q2 2025 | 76 |
| Q3 2025 | 79 |
| Q4 2025 | 77 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 21.92% |
| Q3 2024 | 22.01% |
| Q4 2024 | 21.22% |
| Q1 2025 | 20.95% |
| Q2 2025 | 21.52% |
| Q3 2025 | 21.81% |
| Q4 2025 | 21.72% |
| Q1 2026 | 21.63% |
| Q2 2026 | 21.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.83% |
| Q3 2024 | 1.30% |
| Q4 2024 | 1.11% |
| Q1 2025 | 1.02% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.60% |
| Q4 2025 | 0.79% |
| Q1 2026 | 0.65% |
| Q2 2026 | 0.62% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.83% |
| Q4 2024 | 0.97% |
| Q1 2025 | 0.95% |
| Q2 2025 | 1.03% |
| Q3 2025 | 1.21% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $359.4M | 21.46% | 0.62% | 1.26% | 113.2% |
| Q1 2026 | 79 | $345.2M | 21.63% | 0.65% | 1.25% | 120.2% |
| Q4 2025 | 77 | $343.8M | 21.72% | 0.79% | 1.14% | 112.9% |
| Q3 2025 | 79 | $340.6M | 21.81% | 0.60% | 1.21% | 113.9% |
| Q2 2025 | 76 | $332.1M | 21.52% | 0.64% | 1.03% | 115.7% |
| Q1 2025 | 71 | $334.8M | 20.95% | 1.02% | 0.95% | 118.5% |
| Q4 2024 | 70 | $337.4M | 21.22% | 1.11% | 0.97% | 110.6% |
| Q3 2024 | 69 | $327.4M | 22.01% | 1.30% | 0.83% | 118.1% |
| Q2 2024 | 62 | $314.7M | 21.92% | 1.83% | 0.64% | 125.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| New Horizon Bank, National AssociationBank Powhatan, VA | 60 out of 100, Moderate | $359.3M | 10.8% | 0.15% | vs |
| Legacy BankBank Grundy, VA | 68 out of 100, Moderate | $360.2M | 20.6% | 1.78% | vs |
| Pioneer BankBank Stanley, VA | 84 out of 100, Strong | $371.8M | 12.0% | 0.03% | vs |
| The Farmers Bank of AppomattoxBank Appomattox, VA | 76 out of 100, Strong | $374.6M | 12.6% | 0.59% | vs |
| First Sentinel BankBank Richlands, VA | 67 out of 100, Moderate | $398.0M | 10.0% | 0.11% | vs |
| Lee Bank and Trust CompanyBank Pennington Gap, VA | 82 out of 100, Strong | $257.3M | 14.1% | 1.37% | vs |
Deposit insurance
Is my money safe at Locus Bank, Inc.?
Yes. Locus Bank, Inc. is an FDIC-insured institution (FDIC certificate #58658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.8% of deposits ($69.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 21.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Locus Bank, Inc. lists 2 offices in 2 cities. Most locations:
- Christiansburg, VA (1)
- Richmond, VA (1)
Identity & history
Profile
- Legal name
- Locus Bank, Inc.
- Former names
- VCC Bank; Community Capital Bank of Virginia
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58658
- RSSD ID
- 3626858
- Primary regulator
- FED
- Holding company
- Locus
- Established
- August 20, 2008
- Headquarters
- 7814 Carousel Ln, Richmond, VA 23294
- Website
- locusimpact.org
- Employees
- 36
Quick answers
Locus Bank, Inc.: common questions
Is Locus Bank, Inc. FDIC insured?
Yes. Locus Bank, Inc. is an FDIC-insured institution (FDIC certificate #58658). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Locus Bank, Inc.'s TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Locus Bank, Inc. ever failed?
There is no failure record for FDIC certificate #58658 in the FDIC failed bank list.
How many branches does Locus Bank, Inc. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richmond
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Bank and Trust CompanyBank Blackstone, VA | 97 out of 100, Very strong | $577.6M | 15.4% | 0.23% | vs |
| The Bank of Southside VirginiaBank Carson, VA | 97 out of 100, Very strong | $670.3M | 23.4% | 0.08% | vs |
| 1st Advantage Federal Credit UnionCredit union Newport News, VA | 90 out of 100, Very strong | $1.1B | 16.7% | 0.45% | vs |
| Richmond Virginia Fire Police Credi Credit UnionCredit union Richmond, VA | 88 out of 100, Very strong | $21.2M | 15.4% | 0.55% | vs |
| Credit Union of Richmond IncorporatCredit union Richmond, VA | 87 out of 100, Very strong | $64.6M | 18.5% | 0.69% | vs |
| Dominion Energy Credit UnionCredit union North Chesterfi, VA | 84 out of 100, Strong | $336.4M | 14.3% | 0.43% | vs |